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General Banking Frequently Asked Questions:
Get answers to the most frequently asked questions about opening and maintaining accounts.
Opening an Account
How do I open an account with Cambridge Trust?
What types of accounts do you offer?
Do you offer a free checking account?
How do I switch my accounts to Cambridge Trust?
Where are your branches and ATMs located?
Managing and maintaining your accounts
How do I change my address?
If I make a deposit, when can I access those funds?
How do I order checks?
How do I pay for new checks?
How do I initiate a stop payment?
Do I set up direct deposit through the Bank?
How can I get a copy of a check or my monthly statement?
How do I make a wire transfer?
How do I receive a wire transfer at Cambridge Trust?
What is your ABA/routing number?
How do I deposit a check drawn on a bank in a foreign country?
Will my credit reserve balance be paid off automatically when I make a deposit to my account?
Account Information and Access
How do I enroll in online banking?
What is the telephone number for 24-hour account information?
How do get my PIN (Personal Identification Number) reset for PrivateLINE Telephone Banking or Personal Internet Banking?
When do I pay a charge for using an ATM?
What should I do if my ATM or debit card is lost or stolen?
Is there a limit on purchases I can make with my debit card?
Can I use my ATM or debit card when I am outside of the country?
What happens when my ATM or debit card expires?
Additional Services
Do you have a Notary Public available?
Do you offer safe deposit boxes?
How do I buy U.S. Savings Bonds?
How can I get foreign currency?
Opening an Account
How do I open an account with Cambridge Trust?
Simply stop by one of our nine convenient branch locations. Whether you have simpler banking needs or require more robust features such as an interest-bearing checking account, Cambridge Trust has the solution for you. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents.
What types of accounts do you offer?
Cambridge Trust has checking and savings options to suite every lifestyle. We have accounts that offer a great way to earn the best rates of interest on your balances to a checking account with no monthly service fees and no minimum balance. Consult the Account Comparison Chart for more information.
Do you offer a free checking account?
The maintenance and transaction fees are waived on our Personal Checking account with direct deposit of your paycheck, social security, or government check. Our ATM Convenience account has no monthly services fees and there is no minimum balance requirement. Monthly charges on other accounts can be waived by maintaining a minimum balance in your account. Consult the Account Comparison Chart for more information.
How do I switch my accounts to Cambridge Trust?
Switching is easy! We've compiled a checklist and collected the forms you need to switch your accounts. Follow these steps to switch your account to Cambridge Trust.
Where are your branches and ATMs located?
Cambridge Trust Company has nine convenient Massachusetts
branch locations in Cambridge, Concord, Lincoln, Weston and Beacon Hill. Cambridge Trust ATMs are available at all branches, with additional ATMs in the Cambridge Area. Cambridge Trust Company is also part of the SUMsm program.
Managing and maintaining your accounts
How do I change my address?
For your protection, a change of address request must contain your signature. Use this form to change your address on your accounts at Cambridge Trust Company.
If I make a deposit, when can I access those funds?
Our Funds Availability policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit.
How do I order checks?
If you have no changes to your personal information (i.e. name and address), you can order checks online. Otherwise, contact Customer Support at 617-441-1444 or visit your branch to make this request.
How do I pay for new checks?
The cost for checks will automatically be deducted from your checking account.
How do I initiate a stop payment?
Please contact Customer Support at 617-441-1444 or visit a branch to make this request.
Do I set up direct deposit through the Bank?
Use our Direct Deposit Enrollment form to notify your employer (or any other non-governmental organization that regularly sends a payment to you) that you want the proceeds deposited directly into your specified Cambridge Trust Company account.
How can I get a copy of a check or my monthly statement?
Cambridge Trust Company images all checks written by customers, which are accepted by the IRS and others as proof. If you need a copy of a check or monthly statement, contact Customer Support at 617-441-1444 to make this request.
How do I make a wire transfer?
A Money Transfer Services Agreement is needed to initiate wire transfers. You will need to visit a branch to obtain and sign an agreement. For your protection, once an agreement is on file, future wire transfer requests must contain your signature. You can either visit a branch, write or fax us with the wire transfer information, which must include the recipient's bank name, bank ABA/routing number, recipient's name and account number.
How do I receive a wire transfer at Cambridge Trust?
In order for you to receive a wire transfer at Cambridge Trust Company, the sending bank will need to know the following:
- Cambridge Trust’s ABA routing number: 011-300-595 (Cambridge Trust does not have a SWIFT number)
- Cambridge Trust’s incoming wire address:
1336 Massachusetts Avenue
Cambridge, MA 02138, USA
- Your eight digit Cambridge Trust account number
- Your name and address as shown on your Cambridge Trust account
Wire transfers are subject to fees. Please refer to our Fee Schedule for details.
What is your ABA/routing number?
011-300-595
How do I deposit a check drawn on a bank in a foreign country?
You may mail or bring the check into any of our branches and it will be forwarded to our Collections Department. The collection time will vary depending on the country of origin.
Will my credit reserve balance be paid off automatically when I make a deposit to my account?
No. You need to transfer funds or make a deposit directly to your Credit Reserve line. You can easily transfer funds through our Personal Internet Banking service or PrivateLINE 24-hour telephone banking system.
Account Information and Access
How do I enroll in online banking?
If you have a Cambridge Trust Company account, you can enroll now
. You can check account balances, review account history, transfer funds between your accounts and pay bills online - FREE.
What is the telephone number for 24-hour account information?
Call PrivateLINE at 617-254-BANK (2265) or 800-876-6406.
How do I get my PrivateLINE Telephone Banking or Personal Internet Banking PIN (Personal Identification Number) reset?
Contact Customer Support at 617-441-1444, Monday through Friday, 8:30am-5:00pm. You will be prompted to change your initial password the next time you call or log in.
When
do I pay a charge for using an ATM?
All our accounts have free unlimited use of Cambridge Trust Company ATMs. Premium and Premium Plus Checking Account customers have the added benefit of all ATM transactions at non-Cambridge Trust ATMs free plus unlimited refunds (for Premium Plus Checking) or up to $15 per month (Premium Checking) on ATM surcharge fees from using other banks’ ATMs. Cambridge Trust Company is a member of the SUMsm program. Additional ATM surcharges will not be imposed on Cambridge Trust customers who use their cards at other Bank's SUM designated ATMs. However, Cambridge Trust Company does impose a $1.00 network fee for transactions at non-Cambridge Trust Company ATMs except as noted for Premium and Premium Plus Checking customers. Other banks not part of the SUM Program may surcharge for use of their ATMs. Please see the Fee Schedule for details.
What should I do if my ATM or debit card is lost or stolen?
Notify us immediately by calling 617-876-5500 during normal business hours. After hours, please call 800-236-2442. We will cancel the lost or stolen card and order you a new one.
Is
there a limit on purchases I can make with my debit card?
The standard daily limit is $500. Premium
and Premium
Plus Checking Account customers have a daily
limit of $2,500. These limits may be increased temporarily
for special purposes or other circumstances. Please contact
your branch
if you need a temporary increase in your daily limit.
Can I use my ATM or debit card when I am outside of the country?
Yes. Be sure to check the expiration date on your card prior to leaving the country if you plan on being away for an extended period.
What happens when my ATM or debit card expires?
A new card will automatically be sent to you by mail a couple weeks prior to your old card expiring.
Additional Services
Do you have a Notary Public available?
Yes. A Notary Public is available in all branches. You may want to consider calling ahead to ensure the Notary is available the day you wish to stop by.
Do
you offer safe deposit boxes?
Yes. Safe deposit boxes are available in most branches
except Beacon Hill and 1720 Massachusetts Avenue.
How do I buy U.S. Savings Bonds?
Now you can purchase U.S. Savings Bonds online and check their value using the Savings Bond Calculator at
www.treasurydirect.gov.
How can I get foreign currency?
All our branches offer the convenience of
immediate availability of Euros, British Pounds and Canadian Dollars. With advance notice, other
foreign currencies can be delivered to your branch for pick-up.
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